this is the only reason to have a credit card
a credit card gives more protection against fraud and in a few year's I'll need a mortgage etc so having some credit history/rateing can't be a bad thing.
i feel your pain brother.
i have never had a loan or credit card in my life, left uni got a job earned money, saved said money then bought the things i needed. 4 or five yrs later i decided to get a mobile phone contract. jesus christ anyone would of thought i was a wanted terrorist, not one of the main phone company s would touch me.apparently because i had never had credit or a loan in my life,that was enough to put me as high risk.
made an appointment to visit the bank,and was basically told the same by the bank that in this day and age you will at some-point of needed to have had credit,so got a cc of the bank bought some forks for my bike and some brakes.paid the total of the purchase in full within 28days.went to the phone shop and hay presto one mobile phone contract done and dusted in five minutes.
strange but thats just how things work now a-days if finance/houses/company s cant do some sort of background check on you,then it seems easier for them to just say no or make you pay a higher rate for just not having any credit to start with….
oh and answer to your question sainsburys cc isn't to bad if you shop there. and tsb bank do a cc with air miles both under 16%
mb